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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $129,270 | $135,956-4.9% | $123,894+4.3% | $273,972-52.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.94% | 56.63%-47.7pp | 47.52%-38.6pp | 41.46%-32.5pp |
| Employer contribution / active EE | $4,854 | $5,170-6.1% | $4,617+5.1% | $4,869-0.3% |
| Participant deferral / active EE | $8,190 | $6,343+29.1% | $5,984+36.9% | $5,287+54.9% |
| Admin fee / account holder | $399 | $9,817-95.9% | $8,357-95.2% | $10,133-96.1% |